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[Superfly]

Kenny-boy -> https://www.coldbathsolutions.co.uk/about/

[Superfly]

It does seem to me that they have finally realised that they can't extract the alleged loans via Isle of Man law, which seems to have now run its course, so now they are trying to somehow implicate it to English law through a mixture of contrived application of law and confected paperwork.

[Superfly]

My paperwork says:

THIS AGREEMENT is made on: xxx

BETWEEN:

1. Garraway Trust acting by its sole corporate Trustee: Professional Independent Trustee (Isle of Man) Limited (Company Number 126044C))whose registered office is situate at PO Box 95, 2a Lord Street, Douglas, Isle of

...

[Superfly]

Why kill the Golden Goose?...

[Superfly]

If they are claiming they are CCA regulated, then seeing as the CCA is authorised and regulated by the FCA, I would think it should definitely be reported to the FCA making clear that W28 has laid claim to a disputed loan many years later and are now claiming for the first time that they are regulated...

[Superfly]

You have someone who is trying to con you out of money (that you earned and HMRC have deemed income and you have paid tax on and their demand has been found to be questionable for a number of years on a range of points) . And they themselves reference a selection of legal organisations that you can...

[Superfly]

Tiny, up till recently they had a virtual office mailbox on 24 City Road London EC1V 2NX England, and no physical presence.
He has recently changed to 168 Shoreditch High Street 2nd Floor London E1 6RA, which is a shared rental workspace Office Space at 168 Shoreditch High Street, London
...

[Superfly]

I personally feel this is really important and everyone affected by this should be doing this....

[Superfly]

The pile of paper sent by W28St contains a deed of assignment claiming to assign the rights to the loan from Felicitas Solutions to West 28th Street.
How can this be when Felicitas Solutions has dissolved years before the deed of assignment date 24th April 2026?

AI says it cant be...

[Superfly]

I thought that too. How did they know beforehand that Kenny was going to be sending out letters?...

[Superfly]

Isle of Man (IoM) court cases generally require fees to be paid up front when starting proceedings or submitting applications, which is something these chancers would never pay, because of the low probability of success....

[Superfly]

Debt Crystallisation

An admission of debt that has crystallised means that a debtor has formally acknowledged a specific amount of money is owed to a creditor, and that debt is now fixed, due, and legally binding.

In legal and financial terms, "crystallised" means...

[Superfly]

You should be careful if disputing the debt as statute barred as your only line of defence, as that may infer that admission that a debt exists.

There are many other arguments laid out by the professionals that dispute the existence of the loan, and if you go down the route of saying it...